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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Hartly, DE Housing Affordability Index

Hartly, Delaware has an MBR Housing Affordability Index score of 428.1 (Highly Affordable) as of October 30, 2026, ranking 1st most affordable of 59 scored Delaware cities, compared with 103.6 statewide and 97.4 nationally. On a median-priced $87,200 home with 20% down, the Delaware average 30-year fixed rate of 7.37% means a monthly principal and interest payment of about $481, or 4% of the city’s $152,813 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Hartly is updated every night from live Delaware mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Hartly MBR-HAI 428.1 Highly Affordable
Rank in Delaware 1 of 59 1 = most affordable
Delaware 103.6 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.37% Delaware lenders
Median home value $87,200 U.S. Census Bureau

Hartly is 324.4 points above the Delaware score. Scores as of October 30, 2026. See the Delaware index

View Hartly Mortgage Rates

What It Takes to Buy in Hartly

$481/mo
Principal & Interest
Median home, 20% down, 7.37%
$20,600
Income Needed
To keep the payment at 28% of income
$152,813
Median Household Income
Delaware: $84,954
0.6x
Price-to-Income Ratio
Delaware: 4.1x
$2,131/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$523/yr
Median Property Tax
0.60% of median value
6.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
41.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Hartly, Delaware. The rate is the Delaware average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Hartly Ranks in Delaware

Cities with similar scores
#1Hartly428.1
#2Little Creek183.3 #3Bethel178.9 #4Magnolia152.2
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Cite the Hartly Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Hartly, Delaware score: 428.1 (Highly Affordable), ranked 1 of 59 Delaware cities. monitorbankrates.com/housing-affordability-index/delaware/hartly”